Hello Everyone,
I gathering some information to better understand this situation. I gave my signature to a family member for a loan, 3 years ago. Without letting me know they went bankrup,and in the process they garanteed that debt. ( i'm not sure but I think that means that the particular debt is going to get paid in full and not a negociated part)
Anyway in the process of of declaring bankrupcy they incurred in a 60day late on the account , plus now it appears in my report as Debt included in or discharged through Bankruptcy Chapter 13
There are 2 situations that I'm trying to understand, First if the info is not reported correctly, because recently I tried to get a CLI from Amex and the response for declining was that I had a bankrupcy in my file. Do they think I declared bankrupcy , can this be fixed?
The other part is that the debt will be completly paid in 1 more payment, is there a posibility ( or someone here has the experience or similar situation) that I can call the institution and ask to be removed since the debt was paid. as a good will request ?
I know it was my fault for making that decision but it was the kind of hit I needed to learn how to say no. even to close family.
This is only affecting me in Experian, but I'm afraid of how this is going to take a toll on me when is time to buy a new house, which I see doing in less than 2 years.
any advice or past experience are welcome.....
wall of text/10
